Page 13 - NEW ICON GUIDE (PORTRAIT)

Life and AD&D Insurance

Cigna | Basic Life and AD&D Cigna | Voluntary Life and AD&D Insurance
Insurance In addition to the company provided Basic Life and AD&D benefits, you may elect to
Life insurance protects your family or other purchase additional Term Life and AD&D insurance at discounted group rates provided by
beneficiaries in the event of your death while you Cigna. You pay for this coverage with after-tax dollars through convenient payroll
are still actively employed with the company. deductions.
Accidental Death and Dismemberment (AD&D)
coverage provides an additional benefit to your Voluntary Life and AD&D Guarantee Issue*
beneficiary if your death is due to a covered
accident or injury. Basic Life and AD&D coverage is Employee You may purchase coverage for yourself in $400,000 or 5 times
paid for 100% by ABC Company. increments of 1, 2, 3, 4, or 5 times your salary salary (whichever is
up to a maximum benefit of $500,000 less)

Basic Life and AD&D Spouse You may purchase coverage for your eligible $50,000
spouse. Benefits for your spouse can be
1 times your annual base salary to a maximum purchased as $10,000, $25,000 or $50,000 and
benefit of $500,000
may not exceed 50% of employees combined
basic and voluntary life election

Child(ren) You may purchase coverage for your eligible Entire benefit amount
dependent child(ren), ages 6 months to 26 ($10,000)
years, in the following amounts: Flat $5,000,
Choosing a Beneficiary $7,500, or $10,000 (a $500 benefit is available
A beneficiary is a person or entity who you for children under the age of 6 months)
designate to receive your death benefits.
Choosing a beneficiary and keeping your
beneficiary up-to-date is an essential part of *Guarantee issue is a pre-approved amount of coverage that does not require you to
owning life insurance. Please remember to provide proof of good health, and is available to you during your initial eligibility period
review and update your beneficiary (upon hire).
designation as new situations arise, such as
the birth or adoption of a child, marriage or If you are no longer in your initial eligibility period, you may enroll in Voluntary Life
divorce. insurance anytime during the year as long as you provide proof of good health. To
provide proof of good health, you will be asked to complete a health questionnaire
(Evidence of Insurability) and are subject to insurance carrier approval. Cigna may
approve or decline coverage based on a review of your health history. In addition, you
may terminate your Voluntary Life insurance at any time.

Life Assistance Program

Cigna | Life Assistance Program (LAP)
The Life Assistance Program (LAP) through Cigna provides you and your household members with free, confidential assistance to help with
personal or professional problems that may interfere with work or family responsibilities and obligations. Services are available 24 hours a day, 7
days a week via a toll-free nationwide number. You and your household members can receive up to 3 counseling sessions per person, per

Accessing the LAP
Go to www.cignabehavioral.com/cgi or you may call (800) 538-3543 to be immediately connected to an EAP counselor.

13